When customers operate on slow payment terms – like Net-60 or Net-90, it can create serious cash flow pressure for growing businesses. Even when sales are strong, waiting months to get paid can stall operations, delay payroll and limit reinvestment in new opportunities. Fortunately, there are funding solutions designed to bridge the gap between invoicing and payment, keeping your business liquid, and moving forward.
The Challenge of Slow Payment Terms
Payment terms like Net-30, Net-60 or even Net-90 can severely impact a company’s working capital. While these extended terms may help clients manage their cash flow, they often leave the service provider waiting months to get paid, all while expenses like payroll, materials and vendor costs continue.
Industries such as construction, staffing, manufacturing, logistics and B2B services are especially vulnerable since large projects and long billing cycles are the norm.
Unfortunately, traditional bank loans don’t always align with these realities. Banks may require extensive collateral, lengthy approvals or strong credit histories – leaving many businesses unable to access the cash they need, when they need it the most.
Turning Receivables into a Resource
Slow payments don’t have to mean slow growth. Instead of waiting months for clients to pay, businesses can put their outstanding invoices to work. By leveraging receivables as a financial asset, you can unlock the cash tied up in your accounts and reinvest it directly into operations.
The key difference lies in the mindset. Waiting for payment keeps your growth on hold, while using available capital through funding solutions like factoring keeps your business moving. Turning receivables into a resource gives you the flexibility to cover expenses, take on larger contracts, and stay competitive even when customers take their time to pay.
Smart Funding Strategies That Keep You Competitive
In fast-moving industries, cash flow flexibility can make the difference between keeping up and falling behind. These funding strategies help businesses stay competitive even when client payments are delayed.
On-Demand Financing:
Access capital only when you need it. On-demand financing provides short-term liquidity during slow cash flow periods without locking you into long-term contracts or monthly obligations.
Flexible Factoring:
Turn your invoices into immediate working capital to cover payroll, purchase materials, or take on new opportunities. Flexible factoring ensures steady cash flow while your customers continue paying on their usual terms.
Program-Based Funding:
Some businesses face predictable payment cycles tied to seasons or contracts. Program-based funding aligns your financing with those cycles or con, giving you reliable access to capital when you know cash flow will tighten and room to grow when demand spikes.
How CapFlow Helps Businesses Stay Ahead
CapFlow Funding Group understands the challenges that come with extended client payment terms. Our team specializes in helping businesses across industries like construction, staffing, manufacturing and logistics maintain steady cash flow – even when customers take months to pay.
With funding facilities from $50k to $5M and turnaround times as fast as 24 – 48 hours, CapFlow delivers the speed and flexibility growing businesses need. Solutions like factorLOC and mFactor are designed to fit your unique cash flow cycle, whether you’re managing reoccurring invoices or one-off projects.
Beyond funding, CapFlow takes a consultative approach – helping you align financing with real operational needs so your business can stay focused on growth, not collections.
Key Takeaways
Businesses operating with slow client payment terms – such as Net-60 or Net-90, often face serious cash-flow challenges. Even when sales are strong, long waits for payment can limit reinvestment, delay payroll and slow growth.
This article explains how companies can bridge the gap between invoicing and payment by turning receivables into financial resources. Strategies like on-demand financing, flexible funding, and program-based funding give businesses access to working capital exactly when they need it, without adding long-term debt or restrictive bank requirements.
CapFlow Funding Group offers fast, flexible solutions tailored to industries with extended payment cycles. With funding facilities from $50k to $5M, CapFlow helps businesses keep operations running smoothly and growth on track, even when customers take their time to pay.
